Business Line of Credit
A revolving credit line you draw from on demand — pay interest only on what you use, then draw again.
What it is
A business line of credit is the most flexible form of working capital we offer. Instead of a one-time lump sum, you're approved for a maximum credit limit and draw exactly what you need, when you need it. You pay interest only on the outstanding balance, and as you repay, that capacity replenishes — so a single approval becomes a renewable safety net you can lean on for years.
It's the ideal tool for the gaps every business hits: a late-paying customer, a surprise repair, payroll the week before a big deposit lands, or an inventory deal too good to pass up. Draws hit your account within one to two business days, and there are no fees for keeping the line open and unused.
Best for
- Smoothing seasonal or unpredictable cash-flow gaps
- Covering payroll while you wait on receivables
- Jumping on time-sensitive inventory or supplier discounts
- Keeping a standing safety net without committing to a fixed loan
- Businesses that want to borrow repeatedly without re-applying
From application to funded
Apply once
A 5-minute application with a soft credit check establishes your approved credit limit — no hard pull to see your line.
Get your limit
We review 3–6 months of bank statements and set a revolving limit, typically within 24–48 hours.
Draw on demand
Transfer any amount up to your limit straight to your bank account whenever you need it.
Repay & reuse
As you pay down the balance, your available credit refills — draw again with no new application.
The details, in plain numbers
What you'll need to qualify
- Active U.S.-based business bank account
- Three months of recent bank statements
- Basic business and ownership details
Benefits of Business Line of Credit
Pay for what you use
Interest accrues only on your outstanding balance, not your full limit — an idle line costs you nothing.
Revolving capacity
Every repayment restores your available credit, turning one approval into an ongoing resource.
No collateral
Our standard lines are unsecured, so you don't pledge equipment, property, or receivables.
Fast draws
Funds reach your account in as little as a few hours once your line is established.
Build credit
Responsible draws and repayments strengthen your business credit profile over time.
Transparent terms
Clear, fixed repayment schedules on every draw — no surprise balloon payments.
Industries we fund with Business Line of Credit: popular fits include Retail, Restaurants, Professional Services. See all industries.
Common questions
Other products to consider
Ready to put Business Line of Credit to work?
Apply in about five minutes with no impact to your credit score to see what you qualify for. A funding advisor can have you funded fast.